I'm guessing this is your first time at getting investors right?
Let me give you some tips, I've been around the block myself getting investors and VC funding, so hope this helps you out. Personally, I only like to invest into
established companies and businesses that show growth, so once you get there, feel free to hit me up
First... if your looking for someone to invest into your idea, 10% is a joke. You need to be willing to give away 49% of your company for that initial investment... however, make sure to add in that when another round comes up for funding, they can either refund at current rate or their shares will be diluted.
Next, what makes you think your idea is worth $200,000? What valid evidence do you to support that and what is the $20k for? If this is truly unique, which I'm sure there is someone right now with the same idea as you, it will be difficult to anyone to prove it's worth - which is why they gamble on a $20k investment for 50% of your company
Lastly, the notion of "paying you back when we make enough" is pretty far fetched. You need to make one single offer, not four. Either offer someone XX% for $XXXX or don't, you look like you are really selling yourself short.
If you plan to "repay" then you are looking for a $20k loan with a 10% share of the company in return for the loan. If you are going that route, then it needs to be a plan and not "when I feel like it." For instance, show revenue forecasting and tell the investor(s) they will get X% off the top of revenue until the loan is repaid.
Just trying to give you some help, so don't take it as an insult. I have a number of friends, one I just spoke to today begging for "investment" money but have no valid reason around what they are going to do with it or what it will get.